THE FINANCIAL REVOLUTION - BE PART OF IT. · 2018-10-29 · savvy the equity token ito from 2...

PRESALE October 20th, 2018

THE FINANCIAL REVOLUTION - BE PART OF IT.

MAIN SALE December 1st, 2018

YOUR BENEFITS FROM OUR EQUITY TOKEN

• Real assets, real values.

• No more middlemen.

• You can benefit from numerous value-increasing assets at once.

• Take the chance to make money with profitable real assets.

THE SOLUTION

OUR TEAM

H. Poullain J. Beuerlein P. Luger P. Daun R. Reichl N. Pfeuti J. Wieland M. Kniehl B. Münch M. Sahli M. Zimin CEO CFO COO CSO CSO CSO CSO CSO Tech Lead Adviser Adviser

www.its-my.money [email protected]

ABOUT US

It is quite simple – all of these many rip-off artists who usually make money out of

your investments are not existing in our value chain.

On top of that, the broad public can invest efficiently in high valuable hotels, real

estate, vintage cars, wood, precious metals and much more.

Anyone can flexibly set individual points of focus and make good profits. Managing

all these previous mentioned possibilities with an innovative app, this is its-

my.money.

THE PROBLEM

TOKEN DISTRIBUTION

Presale Mainsale Equity Investors Team

ICO volume

600,000,000 tokens

0.10$ per token

80% will be sold in presale and main sale

Token allocation

Presale 6.5% Main sale 73.5% Equity investors 15% Team 5%

OUR PORTFOLIO

const. Property

Real estate (Trade)

Art

Vintage cars

Tea plantations

Paulownia plantations

Commodities

Precious metals

Diamonds

ROADMAP

OUR PRESALE SPECIAL

We offer the choice between the normal 30% bonus in the form of tokens or getting the bonus amount in the form of free mining terra hashes at our partner Invemo Switzerland. It´s your choice!

Additional every presale buyer can purchase mining terra hashes at a reduced price!

DISCLAIMER .................................................................................................................. 2

Executive summary ....................................................................................................... 3

The team ......................................................................................................................... 8

Proof of concept .......................................................................................................... 12

From the initial problem to the innovative solution ................................................. 14

The problem .............................................................................................................. 14

The solution: The real-value concept of its-my.money ......................................... 17

What does its-my.money offer in detail? ................................................................... 19

SAVVY-Equity-Token................................................................................................... 25

Presale-Special ............................................................................................................ 26

SAVVY’s possibilities .................................................................................................. 27

Token-Allocation ......................................................................................................... 28

Road map ..................................................................................................................... 30

1st Milestone – ICO ................................................................................................... 30

2nd Milestone – Listing of our SAVVY on exchanges ............................................ 30

3rd Milestone – First release of our app .................................................................. 30

4th Milestone – First profit sharing .......................................................................... 31

Already planned investment cases ............................................................................ 32

Real estate project ................................................................................................... 34

Own tea plantations ................................................................................................. 36

Real estates .............................................................................................................. 37

Raw materials ........................................................................................................... 40

Art .............................................................................................................................. 41

Precious metals and gemstones ............................................................................. 43

Forest (Paulownia-plantations) ............................................................................... 45

SAVVY-Invest-App ....................................................................................................... 48

SAVVY the equity token ITO from www.its-my.money

2

DISCLAIMER

PLEASE READ THIS DISCLAIMER SECTION CAREFULLY. IF YOU ARE IN ANY

DOUBT AS TO THE ACTION YOU SHOULD TAKE, YOU SHOULD CONSULT

YOUR LEGAL, FINANCIAL, TAX, OR OTHER PROFESSIONAL ADVISOR(S).

The information set forth below may not be exhaustive and does not imply any elements

of a contractual relationship. While we make every effort to ensure that any materials in

this whitepaper, such as products, services, technical architecture, token distribution,

company timelines, are accurate and up to date, they could be subject to change

without notice and in no way, constitutes a binding agreement or the provision of

professional advice.

its-my.money does not guarantee, and accepts no legal liability whatsoever arising from

or connected to, the accuracy, reliability, currency, or completeness of any material

contained in this whitepaper. Potential token holders should seek appropriate

independent professional advice prior to relying on or entering any commitment or

transaction based on material published in this whitepaper, the data of which is

published for reference purposes. Tokens will not be intended to constitute securities in

any jurisdiction.

This whitepaper does not constitute a prospectus or offer document of any kind and is

not intended to constitute an offer of securities or a solicitation for investment in

securities in any jurisdiction. its-my.money does not provide any opinion on any advice

to purchase, sell, or otherwise transact with tokens and the fact of presentation of this

whitepaper shall not form the basis of, or be relied upon about any contract or

investment decision. No person is bound to enter any contract or binding legal

commitment in relation to the sale and purchase of tokens, and no cryptocurrency or

other form of payment is to be accepted based on this whitepaper.

Please note that people from the US, China, and Japan, unfortunately, can’t participate

in our ICO because of regulations.


3

EXECUTIVE SUMMARY

How to describe its-my.money in a few words?

It is quite simple – all of these many rip-off artists who usually make money out of your

investments are not existing in our value chain. On top of that, the broad public can

invest efficiently in high valuable hotels, real estate, vintage cars, wood, precious metals

and much more. Anyone can flexibly set individual points of focus and make good

profits. Managing all these previous mentioned possibilities with an innovative app, this

is its-my.money.

A fully-developed investment concept in combination with the blockchain-technology

and our equity-token „SAVVY“ makes its-my.money to a FINTECH, which is redefining

the former world of investments down to its very foundations. its-my.money makes it

possible to a broad public to partake in the performance of high valuable assets and to

keep always an eye on their investments via our app. Our equity-tokens do not only

provide a co-determination for investment decisions but also offer profit sharing on the

business result.


4

Chart: How has an investment of 100,000 USD developed within ten years (Source: Wallstreet-online,

NCREIF, HAGI, Art Market Research)

And with good reason its-my.money does invest in assets. The above chart shows that

assets have had a way better performance within the last ten years than MSCI World,

Dow Jones, Nikkei and the DAX.

But this is not enough: Since its-my.money does not only buy assets and keep them in

the portfolio but also deals with those real values, our token-owners participate on the

straight performance and the trading profits as well.

its-my.money combines the principle of an asset-fund with the fundamental idea of

crowd investing, but still differs in the performance.

While asset-funds buy real estate, commodity and other funds from the collected

money, its-my.money purchase the assets directly and therefore is the owner of them.

its-my.money will eliminate all the sales representatives, banks, insurance companies

and other institutions of the value chain, who usually make own profits out of the funds

of the investors (up to 30% of the invested capital!). That´s how we create a highly

efficient value chain:

The philosophy of its-my.money “Earn money together not from each other” represents

the company´s unique efficiency and all of our actions are based on this motto. In

general its-my.money invests in different promising assets and combines assets which

do not or not strongly correlate in the performance with each other. We intentionally do

not tie ourselves down to one single asset. In our opinion, this is too risky, since every

asset is subject to a natural cycle.


5

The following extract shows which assets this could be:

# real estates (hotels, residential properties, retirement homes, etc.)

# art (paintings and sculptures)

# precious metals (primarily for trading)

# agricultural lands (tea plantations, farmland, estates, forests,

bamboo plantations, etc.)

# precious gems (diamonds, sapphires, rubies)

# commodities (copper, nickel, lead, zinc, tin, crude oil, etc. )

# vintage cars

# and many more like, e.g., wine, whiskey, watches (unique pieces), etc.

its-my.money continually monitors the asset markets and depending on the market we

can offer appropriate investment cases at short notice.


6

Our app provides (based on the blockchain) the following benefits:

SAVVY token owners can vote for the sequence in which the suggested

future investments shall be implemented. Therefore they can actively

influence the activities of the company.

SAVVY token owners can purchase assets, which are on sale or they can

recommend them to friends and acquaintances to get free tokens as a referral

bonus.

SAVVY token owners can determine the composition of their portfolio. In the

first instance, everyone is participating in a broad portfolio of assets. However

its-my.money also offers the possibility to take part in crowd-investments

(e.g., the participation in a valuable painting or a tea plantation), whereby

everybody can set individual priorities in his or her palette of investments.

SAVVY token owners can actively track the progress and the value

development of their equity tokens and their shares of crowd-invest-projects.

For SAVVY token owners twice a year a profit sharing will take place (the first

profit sharing is planned for autumn 2020)

SAVVY token owners can follow the company development anytime since

they will be provided up-to-date information about any important steps that

are scheduled.

On top of that our token owners can buy and sell their SAVVY tokens at various

exchanges directly after the main sale and stay flexible this way.

its-my.money was established out of a cooperation named GENO Vorsorge eG, which

was founded four years ago. In this time the asset concept has been successfully

implemented and has been improved step by step. Already, in this short time, dividends

have been generated between 6.5% and 8% every year (6.5% in 2015, 7.5% in 2016

and 8% in 2017). For the current fiscal year, we are expecting a dividend of 8% as well.


7

Since the proof of concept has already been provided, the business case is going to be

digitized to the greatest possible extent and is going to be made scalable with the

blockchain-technology and our equity token.

Therefore the team members of its-my.money can look back on valuable years of

experience in their specific fields. Thanks to these experiences and our international

contacts, which we have built up so far with countries like, e.g., USA, China, Canada,

Vietnam, Singapore, and Germany, we can offer promising investment cases and

implement them quickly for its-my.money.

By purchasing a few properties at below market level price, lucrative deals have been

executed in the real estate sector. Out of the cooperation´s present portfolio its-

my.money is going to take over a few selected assets, which have a value of

approximately 650,000 USD to 700,000 USD. The current members of the cooperation

are going to be paid out with the funds from the liquidation of the remaining other

objects. After a holding period of 1 to 1.5 years, the previous sales of the cooperation´s

properties brought in a profit of 60% in each case and showed the true potential for its-

my.money in this field.

In addition to the real estate sector the team of its-my.money has gained a broad

spectrum of experiences in the area of tea, art, Paulownia-plantations and many more

and will put to use this knowledge profitably. Profits of 100% - 300% in the field of tea,

an outstanding potential for Paulownia plantations and the online-shop marketing of

precious metals provide a good foundation.

Our token-owners can participate in our broad range of assets. On top of that, they can

self-determined set individual focus in their portfolio through crowd-invest-projects and

trade these shares anytime via our app. With the blockchain technology and our app,

its-my.money provides unique flexibility and transparency in the field of high valuable

asset investments.

Be a part of the revolution of the financial world with its-my.money!


8

THE TEAM

To act successfully, well-founded knowledge about the particular assets and the

management of those various assets is needed. To be able to implement decisions

quickly, intensive studies of the material, underpinned with practical experience and

essential contacts, are necessary. Therefore in the team of its-my.money people with

years of knowledge and skills in these fields have come together. Under the leadership

of Harald Poullain over the past four years, they have evolved into specialist asset

experts. As a former banker, he knows the business practices of banks and insurance

companies very well, and that’s the reason why he set himself the goal to provide a

practicable alternative.

its-my.money does not only focus on the classical assets, like real estates and precious

metals but also orientates itself on other markets like vintage cars, art, and agricultural

land. For this reason, great importance was placed on ensuring that we have our own

experts in these individual fields within the team.

The team of its-my.money is composed of the following members:

Harald Poullain – Founder and CEO

Harald, Ex-Banker, Master of Business Administration and

Business Education. Even as a banker, he intensively dealt with

the subject of real assets and brought extensive expertise,

knowledge, experiences and essential contacts in the most

various fields with him.


9

Julia Beuerlein - CFO

Julia has a bachelor´s degree in controlling and used to work for a

huge international company. She is responsible for finance and as

the project manager for our hotel projects.

Patrick Luger - COO

Patrick has a bachelor´s degree in economics with the focus on

controlling. He has worked as a financial analyst for a big industrial

enterprise. He identifies together with Harald potential growth regions

in the global real estate segment.

Philipp Daun – CSO Agricultural land & forest

Philipp has a bachelor´s degree in business administration. Within

its-my.money he is responsible for our assets like grasslands,

agricultural lands, forests including Paulownia-plantations.

Ramona Reichl - CSO Art

Ramona worked previously in the banking sector, specialized in forex

trading and international banking. Within our company, she is in

charge of the field of art. Her particular affection lies in the area of

expressionism.


10

Nick Pfeuti – CSO Precious metals & commodities

Nick is supporting our location in Switzerland. He studies

business administration at a private university in Zurich and

supports our company in the field of precious metals and

commodities.

Johannes Wieland – CSO Tea

Johannes is a master of business administration, and within his

studies, he specialized in international management, and also

in the sector of global trading. He used to live in China and

there he has built our contacts to exclusive producers of tea-

rarities and tea-specialties.

Maurice Kniehl - CSO Vintage cars & whiskey

Maurice has competencies in business administration with his

dominant perspective in marketing development and

management. Within our company, he is responsible for the

sector of vintage cars and whiskey as investment objects.


11

Bastian Münch – Project Manager App-development

Bastian is an educated graphic designer and has already

developed several apps. Currently, he is graduating as a

bachelor of media management and is managing our app-

development.

Marius Sahli (Switzerland) Advisor

Marius Sahli is co-owner of the company IFFK in Zurich and

lecturer in the higher education sector. As a proven finance

specialist he supports its-my.money in the preparation process of

the investment cases and the financial planning.

Maxim Zimin (Switzerland) Advisor

Maxim is co-founder of the Swiss mining company Invemo and

assists its-my.money with his blockchain- and IT-know-how. The

development of a product, which integrates mining, is the research

focus of both of the companies Invemo and its-my.money.


12

PROOF OF CONCEPT

For quite some time, ever since the advance of the blockchain technology, we made

plans to issue our equity token. Through the disbursement of our equity token “SAVVY”,

we have many possibilities to be more flexible within the little rigid business practices of

our former cooperation and to bring the business model to a level of a digital age.

While the cooperative shares can only be terminated to the end of each year, the equity

token can be sold each day. Especially the trade of the equity tokens on various

exchanges provides a maximum of flexibility to the token owners. On top of that, there is

no necessity for a membership administration. Therefore its-my.money can use this

resource for other activities.

Token owners can participate in investment decisions via our app, which is another

benefit of the blockchain technology. The team of its-my.money develops concrete

investment cases and puts them to the vote in our app. The token owners can directly

and immediately take part in determining, which of the investment cases should be

given priority. Through this type of co-determination, we wish yet again to underline our

guiding principle of earning money together and not from each other.

However one of the most important reasons for our equity token is that the company

value of its-my.money will also be reflected in the value of the tokens.

For an investment of 1,000 USD, after a few years, cooperative members get those

1,000 USD plus dividend back only. They do not get the part of the emerging dormant

reserves, which are not rare, especially in the real estate area.

Another benefit is that similar to stocks the equity tokens can go up in their value if the

company achieves an increase in value year after year. So the equity token owners

directly take part in the success, the company value development, and the profit.


13

Another reason for the digitalization in the form of the blockchain and equity tokens is a

possible expansion of our business. In the future, we also present assets, which we

have purchased for trading with them. That’s how its-my.money can offer specific tea

from its tea plantation. Of course, the app users can buy this tea cheaper and

recommend it to friends and family. If we sell an offered product through

recommendation, the tip provider receives a commission.

Due to the immature regulatory situation in Germany relating to ICOs and the issuance

of tokens, the team founded the company its-my.money Limited in Hong Kong. Through

this step the issuance of equity tokens is possible, the business model can be scaled

internationally and also in tax terms this country is more than interesting for everyone

involved.

On top of all that, the collected money shall be used for the expansion of the portfolio,

which is described in detail below.


14

FROM THE INITIAL PROBLEM TO THE INNOVATIVE SOLUTION

THE PROBLEM

Today it is tough to invest money wisely. Bank products are not profitable, and major

investment projects are mostly unrealistic for a single person alone because the

necessary capital is not available. Furthermore, most of the products that are offered by

banks and insurance companies are only provided within the scope of funds. The

managers of these funds are doing nothing else but buying other funds or pooling them.

In the end, the result is always the same – if you want to invest you get a service for

your money, which you do not want to have, which you do not need and which is finally,

too expensive1.

So, e.g., with the customers´ invested money banks, investment companies, and

insurance companies buy financial products with which other institutions earn money in

turn. Problems, which are occurring here, are, on the one hand, barely foreseeable

exchange risks and on the other side the hidden costs. These high and hidden costs are

called “soft costs”, and they bring the concept of financial investments into ridicule2.

In addition to the regular selling and administrative expenses, these soft costs are

usually including success fees, fund management charges, management fees and of

course bonuses for the members of the institutions. These listed expenses reduce the

invested capital by an average of 15% to 40%. In research conducted by the Scope-

Group it was shown how high the costs within the individual products could be:

1 https://blog.darcmatter.com/pros-cons-of-investing-in-fund-of-funds/

2 http://www.wikinvest.com/wiki/Fund_of_Funds


15

Diagram (Source: Scope Group – own layout (formatting))

The costs can even be much higher, which the Swiss bank „ Credit Suisse“ presented in

its semi-annual report of June 30th, 2016. Their numbers show that the agio can be

somewhere between 12% and 47%. Even the arithmetic mean of the expenses is

already 30% for the shown funds.

The usual value chain in the finance sector looks like this:

The money of the investor is getting less step by step since too many institutions make

a profit from it. The investor asks his bank to create an investment portfolio for him. For

this assignment, the bank takes high soft costs. Then the rest of the money is going to

be put into a fund, which is managed by another cost incurring institution. In the end it

only reaches a part of the initially invested amount of the actual investment case. As a

result, we have a very inefficient type of investing.

In an informative article it was published that the costs are not transparently revealed.

The report illustrates that the “Total Expense Ratio” (TER) includes only a part of the


16

actual costs (management fees and administrative charges). Therefore the expenses of

a fund are far higher than assumed3:

Especially the internal transaction fees can reduce a significant part of the fund´s profits

or even exceed them. Precisely at times such as this, when shares are not going up in

value but only moving sideways, the high costs are the reason why the funds lose in

value more and more.

3 https://unabhaengiger-finanzberater.de/mogelpackung-fondskosten/


17

THE SOLUTION: THE REAL-VALUE CONCEPT OF ITS-MY.MONEY

its-my.money combines many individual investors via their tokens (SAVVY) and

purchases directly selected tangible assets. Therefore all intermediaries of the value

can be eliminated.

Therefore the value chain of its-my.money looks like this:

Conclusion:

We get a highly efficient value chain through our concept. This simplified value chain,

which is slimmed down to its bare necessities provides a never seen efficiency in the

financial sector. This is also shown by the fact, that 100% of the collected capital of the

main sale will be invested in selected tangible assets. Consequently, every token

represents a real value in the form of tangible assets.

This fact forms the solid foundation for an investment with intrinsic value. Furthermore,

a safety aspect is provided since assets stand for a long-term increase in value.

The best examples for this type of investment are real estates or vintage cars and art.

Especially in the long run assets provide enormous growth potential and are much less

vulnerable to financial crises compared to stocks and other securities, as reflected by

the following statistic:


18

The concentration of risks is getting reduced significantly by splitting into different fields

of assets. Another safety aspect is that we avoid cluster risks and political risks through

global investments in many different countries.

Because of our huge network of contacts, many years of experience and by constant

monitoring of the markets, we can filter out possible investment cases in a minimum of

time and rate their potential profitability.

Chart: How has an investment of 100,000 USD developed within ten years?

(Source: Wallstreet-online, NCREIF, HAGI, Art Market Research)


19

WHAT DOES ITS-MY.MONEY OFFER IN DETAIL?

Participation in performance and trading profits

Due to the modern technology of the blockchain and our token "SAVVY", its-my.money

enables to invest in lucrative material assets to a vast audience even with minimal

amounts and thus to participate in their performance. Besides, since its-my.money also

trades in assets, the additional trading profits will also positively affect the value of the

tokens.

Flexibility / fungibility

The equity tokens are listed on some major and mid-size exchanges immediately after

the main sale and can be traded 24/7. We exclude smaller exchanges to eliminate the

risk of fluctuation of the tokens.

Impairment

The amount raised by the main sale is invested 1:1 into valuable assets. Thus, behind

every single token stands a real asset and builds up an "inner value" right from the start.

Rental income, leases, trading profits and capital appreciation are expected to increase

the inner value significantly over time.

Participation in profit

Token owners receive profit sharing at fixed times for every SAVVY they own. There are

two payment dates per year, one in March and one in September. Thus, each token

holder participates directly from profits of our joint venture. An initial dividend of 6.5% is

earmarked for the first time in the 3rd quarter of 2020. We expect the next disbursement

to be higher. Profits are distributed in FIAT, Ethereum or bitcoins.

The increase of the intrinsic value of SAVVY equity token

The profits made are distributed in one part in the form of dividends directly to the token

owners. The majority part of the profits will be reinvested to increase the value of the

company sustainably.


20

Co-determination in investment decisions

its-my.money offers each token owner an innovative app to vote for the priority of the

investments presented. As a result, our investors have an active right to co-

determination. For decision-making purposes, SAVVY-Invest-App owners are provided

with all of the relevant information on the individual projects to give users the

opportunity to form their opinions. Since in each case the flexibility for quick reactions to

market situations needs to be ensured, the voting is only possible for approximately 48

hours. However, the transparency of the information and the portfolio of projects remain

available to users. Through push messages and emails, the app owners always get

informed about the possibility to vote for new projects. There is no regularity guaranteed

or given, as the frequency of these votings depends on the market situation and the

available investment cases.

Ethical and sustainable investments

its-my.money also wants to integrate ethical and sustainable aspects with its investment

cases, since an investment of individuals is also assessed individually. With this

integration of the ethical and sustainable aspects, we guarantee that the decision of the

voting can be commented. The reason why a case was accepted or rejected can be

substantiated by the following factors: economic, environmental, sustainable, ethical,

private or otherwise. Thus, its-my.money can understand the needs of users and

underline the company's motto "Earn money together not from each other".

Referral marketing

Our SAVVY-Invest App owners can request sales offers from its-my.money in our app if

they want to. This can be, e.g., tea from our tea plantations, works of art from our art

collection or even real estate from our inventory which will be resold. For example, our

app owners can purchase these offers themselves or forward them to friends and

acquaintances via a link. If a purchase is made because of this recommendation, the

referrer receives a commission in the form of ETHs (Ethereum-Coins). On the one

hand, its-my.money saves very high advertising costs through referral marketing. On

the other hand, the recommendation providers and ultimately also our customers can

participate in this saving at lower prices. A steady market analysis is also provided by

this tool, as its-my.money is directly at the market and customers. Trends can be


21

recognized early. This creates a win-win-win situation that enables all parties involved to

operate efficiently and to acquire good products and services for fair money.

Protection against inflation

Inflation is one of the main reasons for investing in real assets. As inflation increases,

valuations increase while money loses value. Therefore, its-my.money combines

various assets that hardly or only slightly correlate with the monetary values and thus

offer the broadest possible protection against inflation and industry circles.

The portfolios of many investors are more diversified after the 2008 financial crisis than

before. Nevertheless, equities, equity funds, ETFs, and bonds continue to be a focus

today. However, equities and stocks have proven to be a poor inflation hedge in the

past. In contrast, asset value investments have historically correlated positively with

inflation rates, offsetting inflation, maintaining or even increasing the value. Physical

assets are investments in physical resources that economically correspond to the value

of goods and services, which in turn are essential components of the inflation indices.

Source: Bloomberg 2013/06/13 – own diagram

its-my.money regularly checks the correlations of the assets with the inflation and lets

these results flow into the development of new investment cases. Since inflation is

guided by the interest rate policy of the national banks, its-my.money also keeps an eye

on interest rate trends and interest rate expectations in the respective countries at all

times.


22

Risk management

Real value assets can reduce the risk of volatility of a portfolio while increasing the

chances of better returns. The risk-return profile of selected real asset classes

compared to bonds and equities shows the following values in a 20-year comparison:

Source: Bloomberg. Asset classes are represented by the corresponding indices: Equities (S & P 500),

Bonds (Barclays US Aggregate Bond Index), Real estate (NCREIF National Property Index), Forestry

(NCREIF Timberland Index), Agriculture (NCREIF Farmland Index)


23

Pimp your portfolio

Each token holder participates in a broad-based real

estate portfolio with our equity tokens. However, as

individual investors would like to set personal

investment priorities its-my.money will also be offering

selected crowd-invest projects. For example, our

SAVVY token owners can invest some of their

SAVVYs in individual projects. This gives you the opportunity to customize your portfolio

with individual asset classes, such as to bring in classic cars with a higher share.

With these crowd-investing cases, we can pick up on current trends and bargains or

"one-time opportunities" to offer our SAVVY token owners an efficient way to invest with

the smallest possible amounts in promising areas of focus. Therefore the own portfolio

is expanded step by step.

Here, too, every dollar spent on issuing shares for the crowd-invest is 100% invested in

the corresponding case. In comparison to the traditional crowd-invest offers its-

my.money has the clear advantage of being able to invest more money in a promising

yielding case. Therefore, more profit is made compared to a crowd-funding platform,

which initially retains 20-40% of the invested capital as a fee.

Over time, each SAVVY owner can put together an individual portfolio and tailor it to his

or her own needs. The investment decisions and the development of the individual

positions can be tracked at any time by our SAVVY-Invest app.

The crowd-invest options will be further elaborated below for each asset. For all crowd-

invest shares, we offer a current valuation of the shares in our app. Furthermore, there

is the possibility to sell these shares at any time or to acquire further shares via our app.


24

Why not shares?

The observation of the period from 1998 until 2018 shows that capital invested in the

form of the MSCI-World (e.g., funds) in May 1998 did not increase within 14 years until

2012. This applies if you kept the fund shares during all this time. So the profit equals

0%, and if you count in the opportunity costs, the performance is even negative.

Source: Wallstreet-Online – own diagram

Only by the interest rate and monetary policy of the FED and other national banks,

stocks were able to set new records after 2012. The fact that other assets developed

much better during the same period of time was already given proof of this at the

beginning of this whitepaper.


25

SAVVY-EQUITY-TOKEN

We have decided to issue equity tokens because they initiallyprovide a real value as a

safety aspect and maximum of flexibility. On top of that, this fact makes the business

model of its-my.money scalable and transparent. its-my.money invests all of the

collected funds of the main sale 1:1 in assets, which provides a fundamental safety for

the invested capital since every token represents a real value.

The most important details at a glance:

Allocation ratio:

80% of the tokens will be issued in the course of the ICO (6.5% of the total amount

during the presale and 73.5% during the main sale). Another 15% are available for the

equity investors like venture capital providers and business angels.


26

PRESALE-SPECIAL

We wouldn't be its-my.money, if we didn´t analyze the blockchain technology on which

our ERC20 token is based. Together with our business partner of the company

INVEMO Switzerland we have created the possibility of letting our investors participate

in cloud-mining. Therefore we have a top offer for the presale. And you have the choice:

1) At the presale, you receive a 30% bonus on top of your invested amount in the form

of SAVVY tokens. For 1´000 USD investment amount you get 10´000 SAVVYs and in

addition to those 3´000 more SAVVYs as a bonus.

2) You also can get the bonus credited as TH/s within a 5-year cloud-mining contract.

Depending on the invested amount you also have the option to buy further TH/s-

capacities at an unbeatable price.

This cloud-mining contract offers two possibilities:

a) The mined bitcoins are going to be reinvested monthly into new TH/s for the next

three years. In the 37th month, the mined bitcoins are getting distributed monthly for a

period of two years.

b) Alternatively, from the first month, you can have the mined bitcoins distributed

monthly.


27

SAVVY’S POSSIBILITIES

Our SAVVY has a wide application spectrum. From trading it on several exchanges

over holding for generating the profit share to voting for the sequence of our investment

cases. Additional to that you also have the possibility to get a commission with our

referral program if someone buys an asset in our app because of your recommendation.

You can also purchase products on your own and pay them in SAVVYs. If you once had

some SAVVYs you can take place in various crowd invest projects to set and fulfill your

individual priorities.


28

TOKEN-ALLOCATION

The allocation is shown graphically in the following chart:

Besides 95% of the tokens being sold (unsold tokens are directly going to be burned),

the rest of 5% goes to the its-my.money team. Since all members of the team

committed themselves not to sell any of their tokens for a two-year period, the 5% are

long-term bound to its-my.money. The tokens will also be issued to the team in tranches

to function as a motivator.

Softcap

Our Softcap is set at 100,000,000 Tokens. This equals the minimum amount of money,

its-my.money needs to start the project “Hotel Bintan”. The dimension of the hotel-

project is 17.5 million dollar, but can also be reduced to 10 million because the amount

of bungalows and rooms is flexible. As an alternative, its-my.money can even recourse

to venture capital to increase the project financially. If the soft cap is not met, all the

token buyers get their money back.

Escrow

For us, the safety of our investors always comes first. That is the reason why we

engage an experienced escrow agent for the main sale. The lawyer and tax consultant

Axel Hellinger, acting as a trustee ensures that the collected funds of the ICO will only


29

be passed on to its-my.money if the soft cap has been reached. If the soft cap contrary

to expectations has not been achieved, the funds directly go back to the investors.

Payment method:

The tokens can be ordered through our website www.its-my.money. As a payment

method, different cryptocurrencies and FIAT currencies can be used. Further details are

displayed on our website.

How you can get your SAVVYs:

You can order your equity tokens (SAVVY) on our website. The SAVVY equity token

distribution ends officially on the 30th of December 2018. At this point, the sale

agreement on the SAVVY between the ICO participant and its-my.money will become

legally effective and binding. The token distribution starts the latest after the end of the

main sale. At this point, all unsold SAVVYs will be burned and the number of SAVVYs

will not increase from this effective number of SAVVYs.

The commencement of trading is planned a few days after the end of the ICO

depending on the listing speed of token exchanges. Our SAVVYs will be transferable on

the first day of trading. A total of 600 million SAVVYs will be issued on the Ethereum

blockchain using a smart contract. SAVVY will comply with the ERC204 standard and

will be freely transferable on the Ethereum blockchain. Ethereum was the choice for our

project due to its broad adoption and industry-standard for issuing custom digital assets.

The compatibility with the ERC20 standard leverages upon the existing infrastructure

advantages of the Ethereum ecosystem, namely in terms of development tools, wallets,

exchanges, and human resource expertise.

Smart contract

The smart contract of our equity token „SAVVY“ will be published on telegram and our

website in September/October 2018.

4 https://theethereum.wiki/w/index.php/ERC20_Token_Standard


30

ROAD MAP

1ST MILESTONE – ICO

The first phase is marked by the presale (October 20th, 2018) and the main sale

(December 1st, 2018).

2ND MILESTONE – LISTING OF OUR SAVVY ON EXCHANGES

Directly after the main sale and the allocation of the SAVVYs to the investors, our

tokens will be listed at selected exchange platforms. From this point on, trading is

possible.

3RD MILESTONE – FIRST RELEASE OF OUR APP

After the first voting, the first release of our app will be available, where we unlock

further functions. With these features, the users of the app can follow the realization of

the investments of its-my.money. The users can also post own tangible assets and offer

them for sale, as soon as its-my.money approved them.

Presale

Dec. 2018

trade with the first

products in the app

1st

App-Voting

1st Crowd-Invest-Offers

Sep. 2020

first profit sharing

Mainsale

List SAVVY

on exchanges I/2019

First release of our app II/2019

Constantly new Crowd-Invest-Offers


31

At the same time, we offer the first crowd invests possibilities, which means every app

owner can individually customize his portfolio on top of the participation in our SAVVY

token.

The development of the crowd invest shares, as well as the shares of the SAVVY token,

can be tracked and traded anytime via the app.

The following crowd invest cases will be offered (further details are listed in the next

chapter):

# Paulownia-plantations

# commodities

# tea plantations

# art

# vintage cars

# precious metals

This way for example, especially in the commodity sector, not all raw materials are

getting purchased at the same time. But we will present the individual raw materials

separately in the app as soon as we are confident that the purchase makes sense at

this time.

If we find good deals in particular sectors, of course, we can generate crowd invest

cases at short notice.

4TH MILESTONE – FIRST PROFIT SHARING

As the last milestone in our 2-year roadmap, we are looking forward to the first profit

sharing in autumn 2020. We purposely pushed the date of the profit sharing further into

the future because we want to let the invested capital work for us at first. Investing the

capital efficiently is essential for building the foundation for a good ROI.


32

ALREADY PLANNED INVESTMENT CASES

its-my.money has already worked out some lucrative projects. These are communicated

via the website www.its-my.money, as well as in the form of a newsletter and our own

app. The principle of joint earning is also given top priority in the planned projects.

Overall, the portfolio is widely spread. Besides, profits from the hotel and the retail

properties will partly flow into the other assets as well, which will gradually increase over

time. The goal is to gradually increase the total proportion of assets that have nothing to

do with real estate and to expand them to a total of 50%. At the start, the individual

assets are planned with the budgets in the diagram below. Later these assets are going

to be further extended through particular crowd invest offers.

The distribution in percent:

The percentage distribution shown can be applied to any fundraising volume.


33

const. property 50 %

Real estate (trade) 25 %

Art 5 %

Vintage cars 5 %

Tea plantations 4 %

Paulownia plantations 3 %

Commodities 3 %

Precious metals 2.5 %

Diamonds 2.5 %

100 %

Over time, this distribution can be adjusted to market conditions, allowing new assets to

be included and others removed.

The first voting

The token owners can choose from a range of investment cases, which will be modified

right before the first voting depending on the market situation (e.g.,

increasing/decreasing commodity prices, increasing/falling precious metal prices,

special offers in the sector of real estates or vintage cars).


34

REAL ESTATE PROJECT

Project Hotel Bintan – approximate volume 17.5 Mio. USD +- 5%:

▪ ROI approximately 31.67%

▪ Cashflow per year = 5.2 Mio. USD

▪ EBIT per year = 4.6 Mio. USD

The purchase of the properties, the construction of the hotel and the start of the hotel

business operations are budgeted for this project.

One of the major projects is to build up a resort on an Indonesian Island named Bintan.

It is supposed to be a luxury resort with round about 120 rooms. This hotel will be not

only used as a holiday resort but will also provide conferences rooms for meetings and

conferences. The target clients of this hotel are businessmen and wealthy tourists

mainly from Asia and Europe.

A special highlight of the resort would be the rooms which will be build up as single

chalets direct on the beautiful white, sandy beach. Our high technology conference

room will fit the requirements of our business customers. For all of them our wellness

sector will provide a relaxing area and the possibility to get some treatments. The

athletically active people will find what their hearts desire in our diving center.

To satisfy the culinary well-being of all of our guests, we will have our restaurant, which

offers particular local and international cuisine. In general, this resort should reach 5 to

6 stars. Singapore, with its exclusive and highly-priced surroundings, lays directly in the

catchment area of the island and particular recreational spaces are in demand

especially by wealthy business people. Our hotel guests will be picked up in Singapore

by a ferry to Bintan. Furthermore the government is planning to build an international

airport on the island, which assure a high flow of tourists. For this reason the inquiries

for high-quality hotels will keep on increasing. The prices per night in a hotel in Bintan

are at the same level as the prices in Singapore. On the contrary, the salaries of the

employees in Bintan are very low as they are adjusted to the Indonesian level. Due to


35

this ideal starting point, we have to take the advantage of this project´s enormous

potential.

The potential we see in the chosen location is that this island is actually visited only by a

small amount of tourists at the moment. This point is the reason why it is possible to get

the ground to reasonable prices. We already have reserved the properties, and it is

possible to start the construction of the hotel complex directly after the ICO if our

investors vote for this project.

Another important aspect is that its-my.money is focused on mutually beneficial

investing strategies. Not only benefiting us but also local employees. They will get a

salary which will be above the average wage. It is essential for us to live in accordance

with our vision “Earning money together not from each other”.

A significant portion of the hotel complex is going to be sold according to the principle of

“sale and leaseback” to generate a quick capital turnover and to grow faster. For this

purpose, we will sell single hotel apartments to individual investors, and the buyer

leases them back. The purchaser receives a monthly rent of approximately 5% of the

invested capital per year. its-my.money can start a further hotel project with the profit

from the sale of the single apartments. This new hotel project is already on the agenda.

Closer information is getting published on time via our app.

This second hotel project is entirely financed by the profit of the first hotel project. In

such a way its-my.money will be able to increase the value of the company within a very

short time and have two hotel complexes. Those two hotels ensure a high return on

investment (ROI), which has a lasting and positive effect on the value of the tokens.


36

OWN TEA PLANTATIONS

The demand for first-class tea is continually increasing, and so we also present a few

selected tea plantations, which its-my.money will purchase, in case of a vote. Then the

cultivated organic tea of the highest quality will be sold through our existing online

organic tea shop. These are selected organic tea specialties and organic tea rarities.

The sales platform www.its-my-tea-time.shop already exists and is already being used

by our customers. In this project more advertising is needed, that will be supported by

our app.

In the tea trade, returns of 100% - 300% are not uncommon, and trading the tea from

our own tea plantations will further increase profits and recoup the investment in the

shortest possible time. its-my-tea-time.shop (a brand of its-my.money) has already

entered into cooperation with some tea plantation owners and can exclusively offer top

quality tea in our online shop. This strategy is being pursued so that its-my-tea-

time.shop can increasingly offer tea that is unique as they are only produced and

distributed by us.

The increasing demand for first-class tea is also reflected in the projected sales

increases until 2022:

Source: https://de.statista.com/ – own diagram

https://de.statista.com/


37

REAL ESTATES

Real estates and condominiums in Germany and and all over the world complete the

real estate portfolio of its-my.money and significantly reduce potential cluster risk as

well as political risks.

Therefore, good contacts are essential, which were successfully built up by its-

my.money. We have already gained numerous contacts, e.g., in the US, China, Dubai,

Vietnam, Singapore, and Germany, that give us access to investments even before they

get presented to the public.

The properties that we offer for the first voting come from a portfolio that we have been

tracking for some time now and which is changing almost every month. We rely on the

rough preselection, for example, data from zillow.com and others, which reasonably well

show the raw data and obtain for example the following (current) forecast for the USA:

City State 1-year-forecast

1-year-change

5-year Index Development (since June 2013)

Philadelphia Pennsylvania 13.4% 11.3% 48%

Long Beach California 12.8% 6.7% 41%

Los Angeles California 12.1% 8.9% 52%

Dallas Texas 12.0% 13.9% 88%

Grand Rapids Michigan 11.4% 13.4% 77%

San Jose California 11.4% 23.3% 74%

Savannah Georgia 11.3% 6.3% 32%

Providence Rhode Island 10.7% 13.1% 51%

Fort Wayne Indiana 10.6% 8.2% 24%

Tampa Florida 10.5% 13.7% 119%


38

In Germany, for example, we have the following data:

City State 1-year-change

5-year development

7-year development

Frankfurt/Main Hesse 15% 57% 90%

Munich Bavaria 11% 43% 90%

Berlin Berlin 6% 60% 107%

Hamburg Hamburg 8% 27% 50%

Cologne North-Rhine-Westfalia -1% 32% 76%

From an international perspective:

Country 1-year development

5-year development

10-year development

Iceland 20% 67% 69%

Hong Kong 15% 56% 229%

Macau 12% 70% 367%

Canada 11% 42% 71%

Australia 10% 46% 74%

South Africa 9% 35% 50%

India 9% 76% -

Morocco 7% 10% 19%

Colombia 6% 55% 156%

Malaysia 6% 49% -

Mexico 5% 32% -

Japan 3% 35% 26%

Switzerland 2% 12% 34%

New Zealand 2% 42% 49%

South Korea 1% 7% 24%

China 1% 92% -

Vietnam 0% 1% -

Singapore 0% -8% 20%

All this data is for guidance only, as there are significant variations in the value of each

city, depending on the location. In the same high-rise building, there are considerable


39

price differences, for example depending on the floor (the higher, the more expensive),

the geographical location of the building and the apartments.

In the chart above which is showing the German real estate market, we can see that, for

instance, Cologne had a development of -1% last year. In this case our real value

cooperative, which is the predecessor of its-my.money, resold several apartments with

a profit of over 60%, after a holding period of 8 to 15 months.

Similar investments were realized several times in succession in Dusseldorf with an

average profit of 65%. its-my.money does not earn money with the performance of the

real estate market, but with the value, the individual persons see in their respective

assets.

The positive performance, as it was in the past, is nice though not calculable side effect.

The most important thing here is to have good market transparency. Therefore, the

team of its-my.money invests much working time in building up this market transparency

in a wide range of tangible assets.


40

RAW MATERIALS

Currently, the segment of raw materials, a commodity portfolio of copper, aluminum,

nickel, zinc, cobalt and crude oil is daily monitored. Depending on the price

development of these raw materials, we offer a well-sorted package in the first voting.

Should the prices of some commodities develop differently than currently expected, this

portfolio will be adjusted promptly. However, we do not want to buy any physical raw

materials, but factor certificates with an open maturity and a factor of 8 - 10. We do not

buy this commodity portfolio with the money of the token investors, but only when the

first profits flow back into the company. Real assets, which some people consider as

"dead capital" in the first place, we only buy from existing earnings. This fact ensures

that the money brought in by the token owners can also work in full and profits can

augment the additional assets. Thus, we increase the security step by step and do not

invest money in real assets, which initially offer no fixed ROI.

As far as raw materials are concerned, we are pursuing a longer-term strategy and,

above all, would like to build up a balanced portfolio gradually. In particular, the

increasing global population and the digitization and expansion of regenerative energy

generation facilities will ensure that many of these raw materials will be used

increasingly and that increased demand will drive prices higher.


41

ART

Currently its-my.money owns some artworks because of acquisition of the tangible

assets from the real value cooperative and will further increase its portfolio. On the new

website www.its-my.art, a platform is created on which selected works of art are offered.

its-my.money already has some artists under contract whose management is wholly

taken over by its-my.art and whose pictures can be presented to a broader audience

that way. its-my.art and thus its-my.money receives a commission of 20% - 40% on the

sales price when selling the artworks.

Of course, these works of art can also be accessed via our app and can thus be

presented and recommended to a broad public. For very precious works of art, its-

my.money sets up its own crowd-invest project so that everyone desired can get

involved in extraordinary works of art (see also point "pimp my portfolio").

In winter 2018, we will have the first vernissage for the works of art that are already in

the inventory of its-my.money, and then regularly repeat them in various major cities.

The app owners will get a free entrance ticket via our investment app, which of course

they are also allowed to forward.

The art market is an exciting market that imploded a few years ago and is gaining

momentum again. its-my.art not only invests in art but also in artists. its-my.art is also

intended to be a platform for artists to introduce themselves to a broader audience and

thus attract attention and increase the value of their art. Our app also offers numerous

opportunities to make the artworks more popular. Since its-my.money also acquires

some artworks of these artists in advance for preferential prices, the artists, as well as

its-my.money, will benefit here in the long run.

The investment horizon is set for an indefinite period. After every five years, as far as

market conditions permit, individual works of art are officially going to be offered for sale

to test their current market value and to assess the value of the crowd invest shares and


42

their share in the SAVVYs. However, the artworks are not going to be sold but remain in

the inventory. With this crowd-investing project, our token owners, who want to shift

their focus more towards art, can tailor their portfolio to their needs.

its-my.money already has a few beautiful artworks in focus, which we cannot name

here; otherwise, we would increase the value of these works of art ourselves. However,

these are artworks that have already achieved quite high values in the past and thus

offer outstanding potential for the future.

Below is a small extract from our actual art portfolio:


43

PRECIOUS METALS AND GEMSTONES

its-my.money has been monitoring the market of gold, silver and above all palladium for

a long time. Finally, we want to implement the following steps:

We want to build up a "small" stock, which should not lay unused and without income in

a vault in a duty-free warehouse. Rather, we want to use the precious metals inventory,

that we will offer as a trading portfolio, for sale in our online shop at www.its-my.gold. As

soon as our customers buy the precious metals, we buy these metals directly in equal

quantities, taking a small trading margin. The stock of precious metals remains the

same for its-my.money, but we will be able to achieve trading profits with the stored

precious metals and generate profits from "dead capital".

Overall, the trading margin in the precious metal sector is about 2%, which is, at first

glance, not very much. Considering that the customers settle the purchasing price in

advance, so the purchase of precious metals is made with foreign money, the 2% can

be achieved within approximately four days (the period from receipt of the payment till

the delivery of the products). This corresponds to an annual interest rate of 180% (gold

ounce for the price of currently $ 1,250 / profit 2% equals $ 25 / time four days). Thus,

we can achieve a high ROI in precious metal trading and, above all, make money in any

market environment (regardless of whether precious metals fall in value or rise in

value).

Our online shop is already prepared so that trading online can start at short notice as

soon as the first precious metal stocks are available. A significant URL with the name

www.its-my.gold is already reserved and serves the marketing of the precious metals,

whereby these are offered additionally via the app.

Also in this area, we already have a lot of experience, which we will bring into its-

my.money. We know the precious metals and gemstones business because we have

traded them for many of our clients over the past four years, and we now want to

expand.


44

Our app also serves as a buying and selling platform:

Of course, any app owner can conveniently buy precious metals for themselves. For

this purpose, we offer individual precious metal savings plans, with the help of which

everyone can build up his noble metal stock, which will at first be stored by its-

my.money, until the client reaches the minimum withdrawal amount of one ounce.

Especially in the field of precious metals and gems, there is still a problem in many

countries that a seller does not have a proper place to sell his precious metals and

gems. Many end up at jewelers or in purchasing centers, where they get only a fraction

of what the precious metal or the gemstone is worth.

its-my.money will be setting up online outlets in some countries that offer fair prices for

precious metals and gems. We will also set up our small precious metal refinery where

scrap gold and other metals can be melted down and processed into bars. The goal is

to get as much as possible of the value chain within our company. This will, therefore,

have a positive effect on the cost structure of the precious metal products and, above

all, assures that the purchased precious metal is the desired one.

The initial precious metals inventory will, therefore, form the basis for trading. Our

investors will not only share in the potential performance of the precious metals and

gems, but also in the trading profits which is definitely not the case with an asset fund

because it only builds up a stock.


45

FOREST (PAULOWNIA-PLANTATIONS)

In general Paulownia trees are known as “bamboo” and are increasingly used as

valuable timber in the furniture construction, in the manufacture of musical instruments

and even in the biomass production. Meanwhile, companies of this sector offer the

investors to purchase one tree for 270 USD to 300 USD, which is planted and being

grown by the companies. As soon as the wood is ready for harvesting (approx. 8 to 10

years after planting the seedlings), the investor receives a certain amount of timber

(usually one cubic meter of wood), which can be sold at market price. The assumed

return for these offers is supposed to be between 6% and 8% per year.

its-my.money has built up contacts with the pioneers of this sector, which will set up the

plantations in cooperation with us. The price of one seedling is only about 3 USD to 5

USD. So for example with an investment amount of 300 USD, not just one tree but

nearly 100 trees can be planted, since in this case once again the value creation is

maintained within our own company. The trees grow very quickly and depending on

climatic conditions are ready for harvesting after 8 to 10 years. One single precious

wood tree can bring in a harvest of approx. 1.5 to 2 cubic meters of timber, which has

(depending on the quality) an actual market value between 300 USD and 800 USD per

processed cubic meter.

The 1.5 cubic meters of timber mentioned is attributed to the highest quality level, any

left-over of the tree will be processed into wood pellets, etc. because it is of a second

quality grade. The following data is based on a 10 hectares plantation (calculated with

security margin). The cost of insurance, yearly lease (property), maintenance, etc. are

depending on the particular country. We expect costs to the amount of approximately

40,000 USD per year. For a period of 10 years, the total block of costs would be

400,000 USD. With the stock of trees of an average of approximately 410 trees per

hectare, we have a total of 4,100 trees, which equates to a harvest of roughly 6,150

cubic meters. After six years there is going to be a little harvest because the remaining

trees can grow better with more space and light.


46

Based on the current cubic meter price 320 USD for A-quality, this would be a sales

price of a total of 1,968,000 USD after ten years. Additional to these revenues there can

be added another 140,000 USD (from the harvest in the sixth year). Together this will

result in 2,108,000 USD, which will be an overall profit of 1,708,000 USD.

For the years from 2019 to 2025 we plan to set up two plantations of 10-25 hectares

every year. Starting 2025 there will be the first harvests (six years after the seedlings

have been planted) and the returns of those (approx. 140,000 USD per plantation =

280,000 USD) are going to be used for the development of new plantations. That’s the

point in time when the growth can refinance itself out of the returns. Of course, the aim

of this project is that its-my.money is managing the marketing of the timber and the

secondary products in house, because that way the assumed sales price per cubic

meter (320 USD per cubic meter) could be increased considerably. In our expectations,

the average sales price has to reach 400 USD to 600 USD per cubic meter of first-class

timber. We also plan cooperation with sawmills to treat the wood ourselves to reflect the

most significant part of the value chain within our own company.

The sales of the CO2-certificates and the wood products which are not of A-quality are

not included in the calculation. These positions serve as a safety buffer and dormant

reserves or can also be used for the afforestation (planned to start 2025 as stated

above).

Another positive side effect of the investment in plantations is the improvement of the

environment, because Paulownia is growing very quickly. Per year 40 tons of CO2 will

be getting absorbed by a plantation with approximately 800 to 1´000 trees per hectare

(which is ten times more than any of the European trees can accomplish). At the same

time, those trees will be producing 65 tons of oxygen. The properties for the planned

plantations are already reserved in Bulgary and Croatia. So this project can start directly

after the main sale.

With this investment case, we do not only make a profit but also do something good for

the environment. On top of that, many jobs are going to be created in the particular


47

countries. Here we also want to ensure that the employees have an appropriate salary

to be able to take good care of their families and to be socially secured.

Crowd invest „Paulownia“:

Especially our Paulownia plantations are well suited for a crowd invest project. For this

reason, we are going to offer a crowd invest project for each of the two planned

plantations every year. Through those projects everybody who would like to invest not

only with the tokens but also directly with the crowd investment into more of the wood

business.

The investment horizon lies between 8 and 10 years; however the crowd invest shares

can be traded anytime via our app. Their value is based on the current cubic meter of

wood in the population of the particular plantation and the current value of the

Paulownia wood.

The growth of the Paulownia tree compared to a European spruce per hectare:

Own diagram based on statistical values5

5 https://www.waldwissen.net/waldwirtschaft/waldbau/umbau/lwf_paulownia/index_DE


48

SAVVY-INVEST-APP

Our SAVVY-Invest-App offers the possibility to access and vote on our investment

cases from any location in the world and to manage your portfolio individually. A lot of

information and support is available at the touch of a button and gradually turn our

investors into experts of their assets.

The download of the first version of our SAVVY-

Invest-App will be available for free by the time

our presale begins. In the form of a demo, it will

show how real investment cases are presented in

an actual operation and how the voting and the

other functions of the app work. All other features

of the first release will then already be available,

and some will already be functional (e.g., referral program or contact requests to its-

my.money).

The concrete investment cases are placed between the presale and the main sale

because they can change in details until then. The investment cases will then be

updated regularly until the first voting so that only the best cases reach it. The

completely free SAVVY-Invest-App is also created as a web version and delivered for

different operating systems so that a broad audience can be addressed.

Developments - App-Release II:

In a further app release (planned for the fourth

quarter of 2019), our SAVVY-Invest-App will be

expanded allowing all app-owners (or friends

and relatives) to offer a property for sale in the

app.

We hope to have given you a good overview of its-my.money, our team, and our

business case. its-my.money combines state-of-the-art technologies with fundamental


49

assets, offering every single person the opportunity to put together their individual

portfolio with our assistance.

Earn money together, not from each other is our living philosophy and in line with our

ideology we invest every dollar that comes in through the main sale in selected assets.

In order to finance the operating costs in the first and second year, we therefore also

want to promote venture capital. In doing so, we cover all costs and, above all, can

increase the manpower and advance our project even faster and better.

its-my.money's explicit goal is to achieve a paradigm shift in the world of banks and

insurance companies. The combination of our business model with the modern

technology of an app and based on the blockchain offers tremendous potential, and we

would be delighted to have you on board at its-my.money.

If you have any questions, we are always at your disposal.

Your team of

its-my.money

Date post:	11-Mar-2020
Category:	Documents
Upload:	others
View:	0 times
Download:	0 times

THE FINANCIAL REVOLUTION - BE PART OF IT. · 2018-10-29 · savvy the equity token ito from 2...

Documents